I like to play without cheats on the families I'm actively playing, with some exceptions. I often use money cheats to set money down, and sometimes to give them more money if it's a family I imagine as rich or I just want to give them a nice house. It also happens that I cheat their needs if I'm playing out a specific story. I have also cheated character values down on some occasions when I want a sim to have a negative character trait, because I often find it really difficult to actually get them all the way down.
I also use move objects, and freerealestate to move non-played sims into houses that would otherwise be empty.